How does workers’ compensation insurance work?

Each state has its own unique set of workers’ compensation laws that employers must follow. These regulations help ensure that employers provide coverage for the cost of work-related injuries or occupational diseases, regardless of employee negligence. An employee can only receive benefits if their injury or illness relates to their job duties or employment. Workers’ comp insurance could cover injuries caused by lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.

Guaranteed Quote within 24 hrs.

We work quick and efficiently to get you fast & accurate quotes.

We make it a Fast & Easy process

We use confidential E-Forms so you can easily sign and send documents.

We give you choices, to get the best coverage

With access to multiple companies we check rates and coverage types with multiple companies at once.

Save money, see the savings we can get you!

By shopping around you can rest assured we are getting you the best policy and price in the market.

Workers Comp protects your small business by…

  • People Protection – Workers’ comp helps businesses care for an injured employee by supplementing medical and rehabilitation bills and by helping offset an injured employee’s lost wages.
  • Financial Protection – Workers’ comp helps protect the business from significant financial loss and from being sued by an injured employee. It can also limit other monetary disruptions to the business.
  • Legal Protection – Workers’ comp can help a small business meet state-mandated laws and workers’ comp requirements so they can avoid sentencing or paying fines for non-compliance.

Ilness or Injury

In the case a team member becomes ill or is injured due to their work, workers’ compensation helps cover them for related medical care and economic losses.

Disability

An injured team member is also covered for wage replacement associated with time off due to disabilities. The common level of wage replacement is 2/3 of your team member’s wages.

Death Benefits

If someone dies in a work-related incident, death benefits may be paid out to their family. These benefits offer financial support when an employee’s family needs it the most.